The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,031
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,779
−HK$759/mo
Today · 4.125%
HK$25,538
baseline
▲ 0.50% · 4.625%
HK$27,092
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,076/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,734
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,451
−HK$728/mo
Today · 4.125%
HK$28,179
baseline
▲ 0.50% · 4.625%
HK$29,664
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,358/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,837
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,734
−HK$912/mo
Today · 4.125%
HK$30,646
baseline
▲ 0.50% · 4.625%
HK$32,510
+HK$1,864/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,292/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,081
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$872/mo
Today · 4.125%
HK$33,814
baseline
▲ 0.50% · 4.625%
HK$35,597
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,628/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$1,063/mo
Today · 4.125%
HK$35,753
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,506/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,428
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,432
−HK$1,018/mo
Today · 4.125%
HK$39,450
baseline
▲ 0.50% · 4.625%
HK$41,530
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,900/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,367/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,122
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,412
−HK$1,310/mo
Today · 4.125%
HK$50,722
baseline
▲ 0.50% · 4.625%
HK$53,395
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,444/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,204 · Scale 2, in force from 26 Feb 2026)